Currently on JSB. If I don't get work in the meantime, I'll be applying for JSA next year.

I'm trying to save because I believe it's financially prudent to do so. But if I save, (which will be done by reducing spending further, not generating income) will the SW view that unfavourably when considering my JSA application? My DH works for himself so I think the odds of me getting JSA are already stacked against me.

you apply and you hope and if you get a rejection you may try appealing. my friends hubby has the same take home pay as my dp, she got it (all €13), i didn't as other things are takin into account. tax, for a starters is not taken into account, this is particular to unmarried couples as they are assessed as single people without dependants and cant transfer tax credits unlike married couples. then you have mortgage repayments taken into account and of course number of children etc (although that did not make a difference between us). i dont think it is unreasonable that people should be allowed to save, it would gall me to think that the person who wastes money rather then saving a little would be entitled to help more then the person who tries to save. you have to have over 20k to be assessed, which i'm going to guess you do not so if you can save, do, cause you may be glad of it at least for the time inbetween your jsb runs out and your jsa is assessed - which was over 4 months when it happened to me. best of luck though, hope you get a job in the meantime as unless you have chosen not to work i do find being at home a little difficult, i miss my job.

I do hope that I will find paying work in the meantime, but if I don't, I want to have savings to rely on. I should be getting a redundancy payment of apx 7k in the meantime, which I have "earmarked" for savings for home improvements or a reserve fund if I fall pregnant again.